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Drones and Your Insurance

In recent years use of drones (unmanned lightweight aircraft controlled by an operator on the ground) has exploded. Industries and businesses have found many uses for them. Utilities and pipelines use drones as a cost effective substitute for manned inspectors. Construction companies keep tabs on jobs remotely. Commercial property owners...
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October 22, 2019
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What Makes a Good Cyber Insurance Policy?

Businesses are buying Cyber policies at a rapid rate. Two main reasons for this are the unending stream of reports of breaches as cybercriminals find ways to attack even the largest, most sophisticated organizations, and the fact that insurance policies have evolved to a point where they offer real value...
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October 15, 2019
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Admitted vs Non-Admitted Carriers: What You Need to Know

Here’s a term you may have heard or read in the past: “Coverage has been placed with a non-admitted carrier…”. What does that mean? There are, broadly, two types of insurance companies you may deal with, admitted and non-admitted insurance companies. An “admitted” insurance company is one that has been...
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October 8, 2019
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Loss Creep and the Hard Insurance Market

Here’s a term you’ll likely start hearing more frequently… “loss creep”. The commercial property and casualty insurance market is getting harder, faster, than many expected or predicted, and in unusual ways. One major driver for this trend is reinsurance rates. Reinsurers are companies that write insurance for insurance companies. By...
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October 1, 2019